Hawaii Auto Insurance
Even with its majestic landscapes and tourism, Hawaiian residents still need access to great auto insurance coverage like everyone else. CheapestAutoQuote.info is there to help drivers in Hawaii obtain quality but affordable car insurance by providing competitive auto quotes in every area of the islands.
Auto Insurance Payment/Coverage Options
Many drivers looking for car insurance want to cover their vehicle with comprehensive/full coverage insurance. Many drivers however cannot afford the upfront payment and seek no down payment options while still getting full coverage insurance. These options are available, however not everyone will qualify as their are a few important factors that determine. Each company will have their own set of rules.
Hawaii is one of the last 2 states to join our country and is one of the more unique places to visit in the country. Unlike many other states, Hawaii has managed to maintain much of the culture and heritage of its native people and is the only state to be made up completely of islands.
Hawaii is lush in history, culture, tourism and gorgeous scenery. This island chain is a mixture of tropical forests, volcanic landscapes, and surrounded by awe-inspiring ocean coastline. The weather is warm and beautiful and the entire state is loaded with tourist hot spots and fascinating natural beauty. From water sports to luaus to beach resorts – Hawaii has something to appeal to everyone.
Cost Averages Per Driver
Current average car insurance premium $1,146.61
Current average car insurance premium U.S. $1,446.07
Average premiums
Honolulu $1,225.66
Hilo $1,164.16
Coverage Requirements
Bodily Injury Liability: $20,000/$40,000 Limit
Property Damage Liability: $10,000 Limit
Personal Injury Protection or Managed Care: $10,000 Limit
Helpful Resources
Hawaii.gov/dcca/ins/consumer/consumer_information/mvi
www.dmv.org/hi-hawaii/car-insurance.php
www.mvalue.com/states/hawaii-auto-insurance.htm
Uninsured or underinsured Motorist
Most states today require drivers to have auto insurance, including the state of Hawaii. However, just because it is the law to have car insurance does not mean that all drivers adhere to the rules. About 12% of all drivers do not have the necessary insurance. How do people protect themselves against drivers who don’t follow the law? They purchase uninsured or underinsured motorist coverage as an add-on to their insurance policy so their insurance company can help with any damages.
How much UM & UIM Coverage should you get?
Hawaii does not require its drivers to purchase uninsured or underinsured motorist coverage with their auto insurance policy. A good guide for drivers it to purchase as much in UM and UIM that you would for bodily injury protection. This type of additional insurance and protection could be a big money saver if you ever get into an accident with an uninsured motorist.
Determining at Fault for an Auto Accident
Hawaii is one of the few no fault states where auto insurance companies are required to pay for accident damages regardless of who is at fault in the accident. In no fault states, drivers usually give up much of their rights to sue another driver for damages since insured drivers are covered by their own auto insurance company. However, rules are a bit different. The no fault rule only applies to bodily injury in Hawaii which means any property damages could potentially be dragged into a court. Also, the bodily injury law caps at $5,000 so any medical expenses over that amount are eligible for legal attention.
Hawaii Counties
Hawaii, Maui, Kalawao, Honolulu, Kauai
